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QCRH logoQCR Holdings, Inc.(QCRH)Earnings, Financials & Key Ratios

QCRH•NASDAQ•Banking & Credit
$91.86
$1.54B mkt cap·12.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutQCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities. The company was founded in 1993 and is headquartered in Moline, Illinois.Show more
  • Net Interest Income$255M+10.1%
  • Total Revenue$597M+1.5%
  • Net Income$127M+11.7%
  • Return on Equity12.06%-0.2%
  • Net Interest Margin2.67%+3.8%
  • Efficiency Ratio34.95%+3.7%
  • ROA1.37%+5.5%
  • Equity / Assets11.62%+5.1%
  • Book Value per Share66.38+12.9%
  • Tangible BV/Share57.63+15.3%
  • Debt/Equity0.56-2.4%
Technical→

QCRH Key Insights

QCR Holdings, Inc. (QCRH) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 16.0%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 34.9% efficiency ratio
  • ✓Well capitalized: 11.6% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

QCRH Price & Volume

QCR Holdings, Inc. (QCRH) stock price & volume — 10-year historical chart

Loading chart...

QCRH Growth Metrics

QCR Holdings, Inc. (QCRH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.29%
5 Years14.25%
3 Years17.74%
TTM-

Profit CAGR

10 Years22.34%
5 Years15.99%
3 Years8.69%
TTM11.72%

EPS CAGR

10 Years16.66%
5 Years14.63%
3 Years8.61%
TTM12.07%

Return on Capital

10 Years6.92%
5 Years6.67%
3 Years5.03%
Last Year2.36%

QCRH Recent Earnings

QCR Holdings, Inc. (QCRH) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 22, 2026
EPS
$1.99
Est $1.78
+11.8%
Revenue
$90M
Est $104M
-13.1%
Q1 2026
Jan 27, 2026
EPS
$2.21
Est $1.96
+12.8%
Revenue
$107M
Est $107M
+0.1%
Q4 2025
Oct 22, 2025
EPS
$2.17
Est $1.73
+25.4%
Revenue
$99M
Est $105M
-5.2%
Q3 2025
Jul 23, 2025
EPS
$1.73
Est $1.63
+6.1%
Revenue
$82M
Est $99M
-17.4%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$1.99vs $1.78+11.8%
$90Mvs $104M-13.1%
Q1 2026Jan 27, 2026
$2.21vs $1.96+12.8%
$107Mvs $107M+0.1%
Q4 2025Oct 22, 2025
$2.17vs $1.73+25.4%
$99Mvs $105M-5.2%
Q3 2025Jul 23, 2025
$1.73vs $1.63+6.1%
$82Mvs $99M-17.4%
Based on last 12 quarters of dataView full earnings history →

QCRH Peer Comparison

QCR Holdings, Inc. (QCRH) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MBWM logoMBWMMercantile Bank CorporationDirect Competitor901.38M52.189.562.74%13.54%1.14
FBIZ logoFBIZFirst Business Financial Services, Inc.Direct Competitor470.37M56.389.306.43%14.12%0.70
GABC logoGABCGerman American Bancorp, Inc.Direct Competitor1.64B43.7214.2954.54%10.25%0.16
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
BANF logoBANFBancFirst CorporationDirect Competitor3.8B114.5117.7812.28%13.33%0.05
WTFC logoWTFCWintrust Financial CorporationProduct Competitor10.27B153.2813.266.66%11.35%0.62
IBCP logoIBCPIndependent Bank CorporationProduct Competitor696.01M33.8110.34-0.3%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.64B32.6020.9018.79%13.25%0.12

Compare QCRH vs Peers

QCR Holdings, Inc. (QCRH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MBWM

Most directly comparable listed peer for QCRH.

Scale Benchmark

vs ICE

Larger-name benchmark to compare QCRH against a more recognizable public peer.

Peer Set

Compare Top 5

vs MBWM, FBIZ, GABC, NBTB

QCRH Income Statement

QCR Holdings, Inc. (QCRH) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income116.06M142.4M155.56M166.95M178.23M231.12M221.01M231.79M255.22M
NII Growth %22.8%22.69%9.24%7.32%6.76%29.67%-4.38%4.88%10.11%
Net Interest Margin %2.91%2.88%3.17%2.93%2.92%2.91%2.59%2.57%2.67%
Interest Income135.52M182.88M216.08M198.37M200.16M292.57M413.41M481.86M489.43M
Interest Expense19.45M40.48M60.52M31.42M21.92M61.45M192.4M250.07M234.21M
Loan Loss Provision8.47M12.66M7.07M55.7M3.49M8.28M16.54M17.1M18.08M
Non-Interest Income26.74M37.34M62.54M108.21M93.61M73.04M122.21M105.92M107.32M
Non-Interest Income %16.48%16.96%22.45%35.3%31.87%19.98%22.82%18.02%17.98%
Total Revenue
162.26M▲ 0%
220.22M▲ 35.7%
278.62M▲ 26.5%
306.59M▲ 10.0%
293.76M▼ 4.2%
365.61M▲ 24.5%
535.62M▲ 46.5%
587.77M▲ 9.7%
596.75M▲ 1.5%
Revenue Growth %20.73%35.72%26.52%10.04%-4.18%24.46%46.5%9.74%1.53%
Non-Interest Expense93.68M114.94M139.01M146.17M146.89M182.33M200.06M198.03M208.56M
Efficiency Ratio57.74%52.19%49.89%47.68%50%49.87%37.35%33.69%34.95%
Operating Income
40.65M▲ 0%
52.13M▲ 28.2%
72.03M▲ 38.2%
73.29M▲ 1.8%
121.47M▲ 65.7%
113.55M▼ 6.5%
126.83M▲ 11.7%
122.58M▼ 3.4%
135.9M▲ 10.9%
Operating Margin %25.05%23.67%25.85%23.9%41.35%31.06%23.68%20.85%22.77%
Operating Income Growth %11.1%28.24%38.15%1.75%65.74%-6.52%11.69%-3.35%10.87%
Pretax Income
40.65M▲ 0%
52.13M▲ 28.2%
72.03M▲ 38.2%
73.29M▲ 1.8%
121.47M▲ 65.7%
113.55M▼ 6.5%
126.62M▲ 11.5%
122.58M▼ 3.2%
135.9M▲ 10.9%
Pretax Margin %25.05%23.67%25.85%23.9%41.35%31.06%23.64%20.85%22.77%
Income Tax4.95M9.02M14.62M12.71M22.56M14.48M13.06M8.73M8.71M
Effective Tax Rate %12.17%17.29%20.3%17.34%18.57%12.75%10.32%7.12%6.41%
Net Income
35.71M▲ 0%
43.12M▲ 20.8%
57.41M▲ 33.1%
60.58M▲ 5.5%
98.91M▲ 63.3%
99.07M▲ 0.2%
113.56M▲ 14.6%
113.85M▲ 0.3%
127.19M▲ 11.7%
Net Margin %22.01%19.58%20.6%19.76%33.67%27.1%21.2%19.37%21.31%
Net Income Growth %28.97%20.76%33.14%5.53%63.26%0.16%14.63%0.26%11.72%
Net Income (Continuing)35.71M43.12M57.41M60.58M98.91M99.07M113.56M113.85M127.19M
EPS (Diluted)
2.61▲ 0%
2.86▲ 9.6%
3.60▲ 25.9%
3.80▲ 5.6%
6.20▲ 63.2%
5.87▼ 5.3%
6.73▲ 14.7%
6.71▼ 0.3%
7.52▲ 12.1%
EPS Growth %20.28%9.58%25.87%5.56%63.16%-5.32%14.65%-0.3%12.07%
EPS (Basic)2.682.923.653.846.305.946.796.777.54
Diluted Shares Outstanding13.68M15.06M15.97M15.95M15.95M16.89M16.87M16.96M16.76M

QCRH Balance Sheet

QCR Holdings, Inc. (QCRH) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments404.39M479.78M434.84M509.89M450.61M468.04M501.7M516.28M183.5M
Cash & Due from Banks131.49M218.72M224.15M147.93M112.78M127.08M202.04M235.17M76.49M
Short Term Investments272.91M261.06M210.69M361.97M337.83M340.96M299.65M281.11M107.01M
Total Investments3.44B4.24B4.28B5.16B5.59B7.13B7.6B7.98B8.77B
Investments Growth %23.63%23.16%0.93%20.71%8.27%27.47%6.6%5.07%9.82%
Long-Term Investments3.17B3.98B4.07B4.8B5.25B6.79B7.3B7.7B8.66B
Accounts Receivables000000000
Goodwill & Intangibles37.41M95.28M89.72M85.45M83.42M154.37M152.85M149.66M146.68M
Goodwill28.33M77.83M74.75M74.07M74.07M137.61M139.03M138.59M138.59M
Intangible Assets9.08M17.45M14.97M11.38M9.35M16.76M13.82M11.06M8.08M
PP&E (Net)62.84M75.58M73.86M72.69M78.53M117.95M123.28M159.15M0
Other Assets168.41M204.25M155.99M171.34M187.56M392.54M434.01M483.8M-8.66B
Total Current Assets545.84M597.75M522.71M574.14M494.26M498.96M531.87M532.78M76.49M
Total Non-Current Assets3.44B4.35B4.39B5.13B5.6B7.45B8.01B8.49B146.68M
Total Assets
3.98B▲ 0%
4.95B▲ 24.3%
4.91B▼ 0.8%
5.71B▲ 16.2%
6.1B▲ 6.9%
7.95B▲ 30.4%
8.54B▲ 7.4%
9.03B▲ 5.7%
9.58B▲ 6.1%
Asset Growth %20.62%24.28%-0.82%16.21%6.86%30.39%7.42%5.7%6.09%
Return on Assets (ROA)0.98%0.97%1.16%1.14%1.68%1.41%1.38%1.3%1.37%
Accounts Payable000000000
Total Debt309.48M404.97M278.95M177.11M170.81M825.89M716.79M567.73M617.87M
Net Debt177.99M186.25M54.81M29.19M58.02M698.81M514.75M332.56M541.37M
Long-Term Debt260.49M332.19M265.53M171.68M167M696.26M716.79M567.73M615.22M
Short-Term Debt48.99M72.77M13.42M5.43M3.8M129.63M1.5M1.8M2.65M
Other Liabilities53.24M94.57M183.69M335M325.55M366M420M397.92M7.85B
Total Current Liabilities3.32B4.05B3.92B4.6B4.93B6.11B6.52B7.06B2.65M
Total Non-Current Liabilities313.73M426.77M449.23M506.68M492.55M1.06B1.14B965.66M8.46B
Total Liabilities3.63B4.48B4.37B5.11B5.42B7.18B7.65B8.03B8.46B
Total Equity
353.29M▲ 0%
473.14M▲ 33.9%
535.35M▲ 13.1%
593.79M▲ 10.9%
677.01M▲ 14.0%
772.72M▲ 14.1%
886.6M▲ 14.7%
997.39M▲ 12.5%
1.11B▲ 11.5%
Equity Growth %23.51%33.92%13.15%10.92%14.01%14.14%14.74%12.5%11.52%
Equity / Assets (Capital Ratio)8.87%9.56%10.91%10.41%11.11%9.72%10.38%11.05%11.62%
Return on Equity (ROE)11.17%10.44%11.39%10.73%15.57%13.67%13.69%12.09%12.06%
Book Value per Share25.8331.4133.5337.2242.4645.7552.5758.8166.38
Tangible BV per Share23.0925.0827.9131.8737.2336.6143.5049.9857.63
Common Stock13.92M15.72M15.83M15.81M15.61M16.8M16.75M16.88M16.69M
Additional Paid-in Capital189.08M270.76M274.79M275.81M273.77M370.71M370.81M374.98M372.85M
Retained Earnings151.96M192.2M245.84M300.8M386.08M450.11M554.99M665.17M773.35M
Accumulated OCI-1.67M-5.54M-1.1M1.38M1.55M-64.9M-55.96M-59.64M-50.58M
Treasury Stock000000000
Preferred Stock000000000

QCRH Cash Flow Statement

QCR Holdings, Inc. (QCRH) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations33.71M64.27M76.49M112.18M88.22M118.7M376.32M444.54M421.54M
Operating CF Growth %-22.29%90.64%19.02%46.65%-21.36%34.55%217.04%18.13%-5.17%
Net Income35.71M43.12M57.41M60.58M98.91M99.07M113.56M113.85M127.19M
Depreciation & Amortization4.95M6.14M7.49M7.48M7.39M10.52M11.66M11.23M12.3M
Deferred Taxes-6.03M6.29M6.36M-14.53M15.27M-4.68M-946K-7.19M-2.34M
Other Non-Cash Items7.22M12.5M-28K59.43M8.51M9.94M261.18M349.69M306.12M
Working Capital Changes-9.32M-5.23M2.79M-2.94M-44.21M1.42M-11.81M-25.86M-24.97M
Cash from Investing-410.52M-333.65M-308.66M-704.48M-411.77M-634.69M-749.27M-845.23M-854.71M
Purchase of Investments-179.79M-84.05M-76.31M-356.94M-173.2M-230.5M-187.63M-218.03M-235.03M
Sale/Maturity of Investments152.6M70.16M106.08M138.88M195.73M186.82M141.92M78.36M107.96M
Net Investment Activity-27.19M-13.89M29.77M-218.05M22.52M-43.68M-45.72M-139.67M-127.07M
Acquisitions-3.37M-5.18M42.59M-154K0144.97M000
Other Investing-374.2M-303.12M-368.59M-482.01M-420.31M-702.72M-688.61M-661.07M-660.2M
Cash from Financing381.96M279.18M222.9M577.38M299.71M538.23M410.35M395.3M417.93M
Dividends Paid-2.49M-3.3M-3.77M-3.78M-3.79M-3.94M-4.03M-4.03M-4.06M
Share Repurchases000-3.78M-14.17M-52.95M-8.69M0-21.63M
Stock Issued2.06M1.28M1.93M1.36M670K422K1.4M1.47M1.13M
Net Stock Activity2.06M1.28M1.93M-2.42M-13.5M-52.53M-7.28M1.47M-20.5M
Debt Issuance (Net)-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing385.08M271.27M335.58M687.75M323.63M-15.13M529.79M547.18M353.01M
Net Change in Cash
5.15M▲ 0%
9.8M▲ 90.2%
-9.27M▼ 194.6%
-14.93M▼ 61.0%
-23.84M▼ 59.7%
22.23M▲ 193.3%
37.4M▲ 68.2%
-5.39M▼ 114.4%
-15.24M▼ 182.7%
Exchange Rate Effect000000000
Cash at Beginning70.57M75.72M85.52M76.25M61.33M37.49M59.72M97.12M91.73M
Cash at End75.72M85.52M76.25M61.33M37.49M59.72M97.12M91.73M76.49M
Interest Paid19.05M38.78M59.29M32.18M23.37M58.65M187.95M247.67M237.09M
Income Taxes Paid13.04M30K2.72M24.57M48.99M1.06M2.85M4.85M4.9M
Free Cash Flow
27.95M▲ 0%
52.81M▲ 88.9%
64.06M▲ 21.3%
107.91M▲ 68.4%
74.24M▼ 31.2%
85.44M▲ 15.1%
361.38M▲ 323.0%
400.05M▲ 10.7%
354.11M▼ 11.5%
FCF Growth %-25.16%88.95%21.3%68.44%-31.2%15.09%322.97%10.7%-11.48%

QCRH Banking Ratios

QCR Holdings, Inc. (QCRH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)10.82%11.17%10.44%11.39%10.73%15.57%13.67%13.69%12.09%12.06%
Return on Assets (ROA)0.94%0.98%0.97%1.16%1.14%1.68%1.41%1.38%1.3%1.37%
Net Interest Margin2.86%2.91%2.88%3.17%2.93%2.92%2.91%2.59%2.57%2.67%
Efficiency Ratio58.32%57.74%52.19%49.89%47.68%50%49.87%37.35%33.69%34.95%
Equity / Assets8.66%8.87%9.56%10.91%10.41%11.11%9.72%10.38%11.05%11.62%
Book Value / Share22.4125.8331.4133.5337.2242.4645.7552.5758.8166.38
NII Growth23.88%22.8%22.69%9.24%7.32%6.76%29.67%-4.38%4.88%10.11%
Dividend Payout7.16%6.98%7.65%6.56%6.24%3.84%3.98%3.55%3.54%3.19%

QCRH SEC Filings & Documents

QCR Holdings, Inc. (QCRH) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Apr 22, 2026·SEC

Material company update

Feb 19, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

QCRH Frequently Asked Questions

QCR Holdings, Inc. (QCRH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

QCR Holdings, Inc. (QCRH) grew revenue by 1.5% over the past year. Growth has been modest.

Yes, QCR Holdings, Inc. (QCRH) is profitable, generating $127.2M in net income for fiscal year 2025 (21.3% net margin).

Dividend & Returns

Yes, QCR Holdings, Inc. (QCRH) pays a dividend with a yield of 0.26%. This makes it attractive for income-focused investors.

QCR Holdings, Inc. (QCRH) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

QCR Holdings, Inc. (QCRH) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

QCR Holdings, Inc. (QCRH) has an efficiency ratio of 34.9%. This is excellent, indicating strong cost control.

Explore More QCRH

QCR Holdings, Inc. (QCRH) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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